Brother, brother, wherefore were art thou in the 1970's when my little distribution company so desperately need you? I wound up getting a SBA (small business admin loan) that nearly destroyed my financial being. At one point the interest rste reached a soaring 27.75%. I walked around with the old 800 pound gorilla on my back. If the unsecured business lines of credit were around back then at today's rates I would have had a parakeet on my shoulder instead. I do however have the adversity to thank for forcing me to make positive changes in my business to not only stay afloat but actually grow.